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  <xs:element id="uve_MinimumCapitalizationRate" abstract="false" name="MinimumCapitalizationRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="uve_StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance" abstract="false" name="StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uve_RestrictedCashAndCashEquivalentsMember" abstract="true" name="RestrictedCashAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYearsNetOfCommutationReceived" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYearsNetOfCommutationReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uve_AdversePriorYearsReserveDevelopmentMember" abstract="true" name="AdversePriorYearsReserveDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_SurplusNoteMember" abstract="true" name="SurplusNoteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_SeniorUnsecuredFixedRateNotesMember" abstract="true" name="SeniorUnsecuredFixedRateNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_A5625SeniorUnsecuredNotesDue2026Member" abstract="true" name="A5625SeniorUnsecuredNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_A2024RevolvingLoanCreditFacilityMember" abstract="true" name="A2024RevolvingLoanCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_A2023RevolvingLoanCreditFacilityMember" abstract="true" name="A2023RevolvingLoanCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_DebtInstrumentRedemptionPricePeriod" abstract="false" name="DebtInstrumentRedemptionPricePeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="uve_ScheduleOfEquityTable" abstract="true" name="ScheduleOfEquityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="uve_MarchTwoThousandTwentyFourShareRepurchaseProgramMember" abstract="true" name="MarchTwoThousandTwentyFourShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_JuneTwoThousandTwentyThreeShareRepurchaseProgramMember" abstract="true" name="JuneTwoThousandTwentyThreeShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uve_DecemberTwoThousandTwentyTwoShareRepurchaseProgramMember" abstract="true" name="DecemberTwoThousandTwentyTwoShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="uve_EquityLineItems" abstract="true" name="EquityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="uve_OtherInvestmentsFinancialInformationLagPeriod" abstract="false" name="OtherInvestmentsFinancialInformationLagPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="uve_OtherInvestmentsRecognitionOfEarningsLossesDelayPeriod" abstract="false" name="OtherInvestmentsRecognitionOfEarningsLossesDelayPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="uve_HurricaneHeleneMember" abstract="true" name="HurricaneHeleneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
